Sonoma County Mortgages

All financing provided by New American Funding

(707) 217-4000 | Prequalify Now
  • Home
  • Purchase
    • How Much Down Payment To Buy A Home?
    • How Much Income You Need To Buy A Home
    • How Much Should I Save For Buying A Home?
      • How Rates Affect Payment
    • No PMI Mortgages
    • FHA Loans
    • Sonoma County Disaster Loans
    • Jumbo Loans
  • Refinance
    • Mortgage Rates
    • Does It Make Sense To Refinance?
      • Get Your Refi Paperwork In Order
    • How To Pay Off Your Loan Faster
    • How To Remove PMI
    • How Lenders Price & Quote Loans
  • Loan Programs
  • Payment Calculator
    • Mortgage Affordability Calculator
  • Blog
  • Videos
  • Scott Sheldon
    • Scott Sheldon
      Senior Loan Officer
      NMLS ID# 287389
      Direct: 707 217-4000
      Scott.Sheldon@nafinc.com
      Specializing in Residential Home Loans for Primary Residences, Second Homes, Investment Properties, Single Family Homes, Condos, PUDs, 1-4 Units.

Get Your Latest Rate Quote Now!

Why is My Home Loan Rate 3.5%, but my APR is 3.793

December 11, 2012 by Scott Sheldon

The difference in the interest rate and the annual percentage rate is the spread expressed as a dollar finance over the life of the loan. The aPR is always going to be … [Read More…]

Filed Under: Purchase Mortgage Loans Questions and Answers, Refinance Loans Questions and Answers Tagged With: buying a house, home loan refinance, Low Rates

Did Your Adjustable Rate Mortgage Reset? Directions to Mortgage Payment Clarity

December 10, 2012 by Scott Sheldon

In the last several years, many homeowners looking to take advantage of a lower monthly mortgage payments took out adjustable-rate mortgages to purchase or refinance their homes. As both mortgage rates and … [Read More…]

Filed Under: Loan Programs Tagged With: Credit Markets, investment risk, Low Rates, mortgage rate quote

Why Can't I Get The Refi Mortgage Rate I Saw In The News?

December 8, 2012 by Scott Sheldon

“Why can’t I get the mortgage rate for my refinance I saw in the news?” This question is asked on a daily basis. When you as a homeowner have a mortgage and … [Read More…]

Filed Under: Refinance Loans Questions and Answers Tagged With: home loan refinance, Low Rates, sonoma county refinancing

Refinancing Now Takes Longer Than 30 Days

December 2, 2012 by Scott Sheldon

Homeowners refinancing their mortgages will now come to learn the refinance process is taking longer than 30 days. Here’s the scoop: mortgage-backed securities (MBS) continue to be a very lucrative investment vehicle … [Read More…]

Filed Under: Economic News, Interest Rates, Loan Programs, Mortgage Shopping Tagged With: Credit Markets, Low Rates, mortgage rate quote, sonoma county refinancing

Don't Get Burned By Mortgage Rate Locks!

November 11, 2012 by Scott Sheldon

Looking for a mortgage loan in Sonoma County, California? Whether buying a home or refinancing a mortgage, your lender will require you to lock your interest rate on the amount being borrowed. … [Read More…]

Filed Under: Interest Rates Tagged With: investment risk, Low Rates, mortgage rate quote, rate locks

What loan programs are available to help me refinance if I'm underwater,my loan is not owned by Fannie Mae or Freddie Mac?

November 1, 2012 by Scott Sheldon

If your loan is ineligible for the HARP 2 refinance program, you do have options. If you live in Sonoma County, or Santa Rosa or a the surrounding areas, you can refinance … [Read More…]

Filed Under: Refinance Loans Questions and Answers Tagged With: home loan refinance, Low Rates, qualifying for a mortgage

How Your Fico Score Affects Your Ability To Get A Mortgage

September 30, 2012 by Scott Sheldon

“Why can’t I get the interest rates I see advertised on the Internet.” One of the most important characteristics of securing a mortgage is your Fico Score. Simply put, the lower the … [Read More…]

Filed Under: Credit Score Info, Interest Rates, Mortgage Shopping Tagged With: buying a house, credit score, home loan refinance, loan programs, Low Rates, preapproval to buy a home, qualifying for a mortgage

Latest Fed Meeting's Influence On Sonoma County Mortgage Rates

September 14, 2012 by Scott Sheldon

In the latest Fed meeting, Ben Bernanke and the Federal Reserve Board announced it will purchase up to $40 billion per month in additional mortgage-backed securities in an effort to further facilitate … [Read More…]

Filed Under: Economic News, Interest Rates Tagged With: Credit Markets, Fed Meeting, home buying, Low Rates, Sonoma County Mortgage Rates, sonoma county refinancing

Current Mortgage Rates For Santa Rosa

May 14, 2011 by Scott Sheldon

Since the death of Bin Laden, current mortgage rates for Santa Rosa remain under 4.75%! For the last two weeks we have had a rally in current mortgage rates and you can … [Read More…]

Filed Under: Economic News, Interest Rates, Mortgage Shopping Tagged With: buying a house, current mortgage rates for Santa Rosa, Low Rates, Santa Rosa mortgage, Santa Rosa mortgage rates, SONOMA COUNTY LOANS

  • « Previous Page
  • 1
  • …
  • 3
  • 4
  • 5

Latest Video Tips

sonomacountymortgage

We are looking for an experienced, energetic, fun ...

Feb 6

Open
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty

We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.

This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.

@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
...

sonomacountymortgage

Every family we meet with gets this super handy ...

Jan 30

Open
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate

Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate ...

sonomacountymortgage

My little sweet pea loved the award dad earned for...

Jan 18

Open
My little sweet pea loved the award dad earned for having a record year. #families 
#mortgage #kids #family #team #goals #success #year #2019 
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon

My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
...

Popular Posts

Why your income is your lifeline to finance a home

Why your income is your lifeline to finance a home

Filed Under: Credit Score Questions and Answers, Economic News, First Time Home Buyers, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular

2020 Conforming Loan Limits Increaase

New loan limits for 2020 makes getting a mortgage easier

Filed Under: Economic News, First Time Home Buyers, Interest Rates, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval

Why the purchase price in a real estate transaction should not be the single most important factor

Why the purchase price should not be the single most important factor

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Invesment Properties/Second Homes, Jumbo Loans, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to avoid getting a jumbo loan due to Coronavirus

Here are 2 mortgage process problems you will want to avoid

Filed Under: Credit Score Questions and Answers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Popular, Pre-Approval, Purchase Mortgage Loans Questions and Answers

Self Employed Borrowers

Here is a legit non-traditional income program for self-employed mortgage borrowers

Filed Under: Credit Score Info, Economic News, First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice

How to use seller carry financing to purchase a house with less cash down

Should you buy & build or buy a single family home?

Filed Under: First Time Home Buyers, Interest Rates, Loan Programs, Loan Qualifying, Mortgage Shopping, Mortgage Tips & Advice, Pre-Approval

SCM on Zillow

Zillow Reviews for Scott Sheldon, New American Funding

SCM on Facebook

SonomaCountyMortgages.com

Location & Contact

Scott Sheldon, Senior Loan Officer
NMLS ID# 287389
1450 Neotomas Ave Suite 115
Santa Rosa, CA 95405
1-707-217-4000
Email Us!

Copyright 2021 SonomaCountyMortgages.com · About Us · Sonoma County Loans · Privacy Policy · Terms Of Use · Legal · Site Map

NMLS Consumer Access © New American Funding. All rights Reserved. NMLS ID#6606.
Corporate Office 14511 Myford Road, Suite 100, Tustin, CA 92780. We at New American Funding take great pride in our customer service and make it our number one priority. We encourage you to contact us for complaint resolution or any post-closing questions you may have regarding the servicing of your loan. We strive to have your experience with New American Funding a stellar one. In the rare case that our service did not meet your expectations, please call our customer care hotline at 1-800- 450-2010, ext. 7100 or you may contact us by email customerservice@nafinc.com. Please leave a detailed message and we will follow up with you no later than the end of the next business day. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-450-2010 Ext. 7100 for assistance.

State Licensing | Privacy | Terms of Use | Electronic Consent Agreement

Connect With Scott In Your Inbox

Looking for a home? Real estate insider? Get connected with Senior Loan Officer Scott Sheldon. Scott stays updated on the latest in the mortgage industry, so you can stay updated with him!